Are You Turning 65 Soon? It’s Time to Research Medicare

Medicare is a federal health insurance program primarily for people 65 or older, but it also covers some younger individuals with disabilities. It’s divided into different parts, each covering specific healthcare services. At age 65, you become eligible for several parts of Medicare. Here’s a brief overview: Now, let’s talk about Medicare Supplements, also known as Medigap, versus Medicare Advantage. Understanding when and how to enroll in Medicare is crucial. You typically have an Initial Read more…

How to Get the Most Out of Your Health Coverage

Health insurance deductibles keep rising, as do the out-of-pocket maximum limits.  Consumers are leaving wider gaps in their coverage to save money on monthly premiums.  So what is the answer?  Since the beginning, I have been a believer in stacking with supplemental coverage. How does that work?  First, you have your high deductible health insurance, which gives you a base level coverage and most importantly, an out-of-pocket maximum.  This normally will be in the $5000 Read more…

Do All Medicare Advantage Providers Offer the Same Benefits?

It only takes about 10 seconds of looking around online to realize that there are many insurance providers offering Medicare Advantage plans (Medicare part C). Unfortunately, this makes it much harder to figure out which plan is a good fit for you. Unless you’re a health insurance professional, it may look like all of these plans are essentially the same, so why bother researching more? Each provider that offers a Medicare Advantage plan must operate Read more…

Why use a Flexible Spending Account?

“Why should I use a Flexible Spending Account if I’ve already got a savings account?” I’ve heard this question many times from my clients who want to stretch their income as far as it will go. If you’re looking for some ways to make your income go further and expect to have medical expenses in the next year, Flexible Spending Accounts, or FSA’s, are a great tool to consider. FSA’s allow users to funnel part Read more…

How do you know how much life insurance coverage you need?

Every person who has dependents, has debt, or carries a mortgage should consider protecting themselves and the ones they love with life insurance. However, each of us leads a different life, and we all have different needs – so how does a person figure out the right amount of coverage for themselves? There are several ways to calculate how much life insurance a person may want to carry, and using the DIME method is a Read more…

Is term life insurance a good fit for you?

Figuring out which kind of life insurance policy is ideal for your needs can get overwhelming, leading lots of people to put off getting life insurance altogether. If you’ve ever thought to yourself “I should probably go ahead and get life insurance, but I’ve got too much going on right now to sit down and sort it all out – I’ll get to it later,” you are not alone! Far too many people never get Read more…

Is Your Income Protected?

When considering your insurance coverage, it is easy to overlook income protection policies. This is common because many people simply want to make sure that they have the medical care they need and a life insurance policy to cover major expenses, in case they pass away unexpectedly. Unfortunately, there are many events that can take away a person’s ability to work and bring in an income without ending their life. Look no further than the Read more…

Individual Health Insurance For Introverts

You want the information, but don’t want to have to talk to a person. I get it! Here’s an easy D.I.Y. way to see, and even sign up for, individual health insurance all on your own. Of course, I would love to help if you have questions. For your ACA/Obamacare options, I use HealthSherpa to see the options in your zip code and find out about plans before going onto the marketplace. [Click Here] to Read more…

What are we going to do about our health insurance?

Obamacare/ACA Open Enrollment – November 1st – Dec 15th November 1st marks the date for the Obamacare/ACA Open Enrollment, until Dec 15th.  For those on individual coverage this is the time you can to make changes for 2020.  Plans will go into effect on January 1st.  During this enrollment period you can switch plans.  In the Nashville area there are two new carriers joining the fray: BlueCross BlueShield of Tennessee and Ambetter.  They join Oscar, Read more…

Currently licensed in Tennessee, Alabama, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, North Carolina, Ohio, South Dakota, Texas, and Virginia.  I am happy to look into needs for states not listed.